You can pay your credit card bill online free of charge up to 30 days in advance. Online payments submitted prior to 5:00 p.m. Central Time will be posted to your account the same day. Payments submitted after 5:00 p.m. Central Time will be posted the next day. At our discretion, availability of funds may be delayed to ensure any payment(s) received have cleared.

The wire transfer must be received by First Bankcard prior to 5:00 p.m. CST to post to your credit card account the same day. Payments received after 5:00 p.m. CST or on a weekend/holiday will be applied to your account on the next business day.

Making Online Payments

Yes. You may delete or change a current pending payment prior to 5:00 p.m. Central Time on the day the payment will post. After 5:00 p.m. Central Time, payments posting that night cannot be changed or deleted.

Yes. Online payments made to your account will reduce your AutoPay amount unless the additional payment is made within five days of your due date. If your online payment is made within this time frame, it will not reduce the AutoPay amount. If you have any questions or need more information, please contact us.

Ordering a Card Replacement

Our credit department reviews and approves all requests for additional cards. Upon approval the additional card will be sent. The delivery times will vary depending on your location. However, most cards will be received within 10-14 business days of the original request.

Most likely the PIN entered did not match the PIN associated with that credit card account. For security purposes, the credit card will be captured if an incorrect PIN number is entered more than 3 times. If you have forgotten your PIN, you may request a new PIN in the Account Services section once you have logged into your account. To find out how to collect a confiscated card, please call 800-395-0637.

You will find instructions on how to complete your request for a name change in the Services Tab. Requests to correct a misspelling on your card can be made online. However, if the change is due to marriage, to divorce, or other reasons, an online form must be completed and returned to
our credit department accompanied by legal documentation showing the name change.

Add/Remove Authorized User or Joint Cardmember

The family member must first be added to your account as an authorized user. Requests to add a family member or other persons to your account as an authorized user can be requested online in the Account Services section. All requests for additional cards will be reviewed for approval by our credit department.

A joint cardmember receives a card in his or her name and has the same privileges as the primary cardmember. He or she will also share full responsibility and liability for the account. Adding a joint cardmember to the account is subject to credit review, including a credit report in the name of the person to be added. A joint cardmember must be at least 18 years of age.

If you lose your card, contact us immediately. We'll block your account and issue you a replacement card. In an emergency situation, such as when you're traveling, we'll get you a temporary replacement card within 24 hours.

Yes. You can use your Landmands Bank credit card at any PLUS System or NETS ATM - 24 hours a day, 7 days a week. All you need is your card and Personal Identification Number (PIN) - the secret code that lets you access your account from an ATM.

After filling out a credit card application and clicking Submit, we will begin processing your application. In just a few moments, you will have a response. If you've been approved, you will receive your new card in the mail. If we need more time to process your application, you will hear from us shortly. Instant approval is not available on all credit card products.

Design Your Card

Customer Guidelines

As long as your existing account is in good standing (in accordance with your Cardholder Agreement) and you have at least $100 in available credit, you are eligible to design your own card. Your current account will remain exactly the same, only the design on the face of the card will change. Some card types are not eligible.

If more than one individual is a cardholder on your account, a different image may be used for each card. Only the primary or secondary cardholder will have access to the design services. During the design process, you have the option of selecting which cardholders on your account will receive each submitted image.

You may submit up to four images on your account per calendar year. You have the option of selecting which cardholder(s) on your account will receive each submitted image. Each separate image submitted will count toward the four image changes allowed per calendar year. For example, if all cards associated with an account have the same image of the family pet, it would count as one image. However, if cardholder #1 has an image of the family pet and cardholder #2 has an image of his/her favorite car, it would count as two of the four images allowed per year.

All images are reviewed for appropriateness according to the Card Design Image Guidelines. By submitting an image, you guarantee that you own or have usage rights to the image and it is permissible to alter, copy, print and distribute the image on the credit card. You agree to indemnify and hold harmless Landmands Bank or its affiliates from all claims arising from the use of the image on the card.

Landmands Bank reserves the right to reject any image we believe violates the Issuing Guidelines. If an image is rejected, you will be notified by email within three business days. A new image may be submitted at any time following notification.

Upon expiration, a new card will be sent with the same image as your most recent Card Design. You will not be able to submit a new image request once your card is within 45 days of its expiration date.

New Customers: The same image you uploaded during the application process will be printed on all cards associated with your account. However, any time after you receive your new cards in the mail, the primary or secondary cardholder may submit different images for cardholders on the account. See question below for further clarification.

Existing Customers: During the design process, the primary or secondary cardholder will be allowed to select which cardholders on their account will receive the image. You may choose to have the same image applied to all cards or you may submit separate, unique images. See question below for further clarification.

Yes. As long as you are the primary or secondary cardholder on your account, you may upload different images and choose which cardholders will receive the newly designed cards. If your account has more than two cardholders, the additional cardholders will be grouped into an "all Authorized Users" category. You may submit separate images for the primary, secondary, and "all authorized users". Please note that all cardholders grouped within the "all authorized users" category will receive the same image.

You may submit up to four images on your account per calendar year. Each separate image submitted will count toward the four image changes allowed per calendar year. For example, if all cards associated with your account have the same image of the family pet, it would count as one image. However, if cardholder #1 has an image of the family pet and cardholder #2 has an image of his/her favorite car, it would count as two of the four images allowed per year.

If you are already enrolled in online, simply log in and click the "Design a Card" graphic located on the Account Detail page. If you are not currently enrolled, you will need to enroll in online banking before you can customize your card.

Choose a clear, sharply focused image to begin with (close-ups or scenery look the best). You may also use photo editing software to enhance your photo prior to uploading if you wish however, it is not mandatory.

Yes. You may go back and alter the image using the available tools or upload a completely different image if you prefer and start over. Please note that once the card design has been "submitted" you will be unable to alter it further.

The design site provides tools that will allow you to crop, rotate and alter the image to fit on your card. It is possible, however, that the image you have chosen may not fit on the card to your satisfaction. In this case, you should go back and upload a different image or just cancel out of the design session and try again at a later date when you have another image to upload.

If you would like to add the same image that is on your credit card to another card on your account, contact us. They can easily accommodate this request for you. If you upload the same image again and go through the design service to add it to a different authorized user's card, keep in mind that this will count towards your four image allowances per year.

It is possible that your computer monitor presents colors in a slightly different shade than our color card printing equipment. This unfortunately is unavoidable. However, we believe that you will be pleased with the quality of the card produced.

This depends on the type of Internet connection that you have and the size of the file that you are uploading. The upload time could be a few minutes, so please be patient. If you have transferred like images to other types of web services from your computer, the transfer time should be similar.

One of the accepted file formats for designing a card. Most digital camera images are in the .jpg format. Joint Photographic Experts Group, *.jpg. The de facto standard for image compression in digital imaging devices.

One of the accepted file formats for designing a card. Developed as a patent-free alternative to GIF, the Portable Network Graphics (PNG) format is used for compressing and displaying images on the World Wide Web.

The process of turning an image. When an image is rotated, the contents of the picture move 90 degrees to the left or to the right every time rotate is selected. Rotation will allow the image to be turned to fit better on the card.

Card details include the logo, account number, customer name, Network logo and hologram that are shown on the card. The card details are placed on the card when the card is printed. Please make sure that the card details do not interfere with the image that is placed on the card before the image is submitted.

The process of copying an image from your computer to our site for use when designing a card. The file is copied to the site so it can be printed on the card. Please be patient when uploading the image as the upload process may take a few minutes.

Yes, we provide deposit slips and envelopes for all deposit accounts. To order, simply use our online form located within the Account Services section. A fee will apply when ordering deposit slips. contact us via email or phone if you have additional questions prior to placing your order.

Paperless statements users will no longer receive paper statements in the mail, as you have requested to receive them online. Customers not currently signed up for paperless statements will receive a monthly statement via mail on all savings accounts. If you do not receive your monthly statement, please contact us.

Yes, we provide deposit slips and envelopes for all deposit accounts. To order, simply log in and use our online form located within the Account Services section. A fee will apply when ordering deposit slips. Contact us via email or phone if you have additional questions prior to placing your order.